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Why These 3 Chase Cards Are Worth Keeping Long-Term

Christine Krzyszton's image
Christine Krzyszton
Updated: 
Edited by: Stella Shon
& Ben Neighbors-Giles
Why These 3 Chase Cards Are Worth Keeping Long-Term
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Platinum Card® from American Express

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I enjoy all my premium travel rewards cards immensely, though it’s unlikely I will keep all of them indefinitely. Each year, when the annual fee is due, I analyze the bottom-line value I receive from each card and determine whether to keep it.

However, there are 3 Chase credit cards that consistently fall outside this analysis, and I plan to keep them for the foreseeable future. Here are 5 reasons why.

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1. No Annual Fees

Unlike high-annual-fee premium cards, these 3 Chase cards are unique because they offer tons of value without charging an annual fee.

Ink Business Cash® Credit CardTerms Apply / Rates & Fees
Ink Business Cash® Credit Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons
Pros
  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
  • Travel insurance and purchase protection
Cons
  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
Read Full Review
Card Highlights
  • Earn $750 when you spend $6,000 on purchases in the first three months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Complimentary three-month lnstacart+ membership.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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Chase Ultimate Rewards

LAST CHANCE
Chase Freedom Unlimited®Terms Apply / Rates & Fees
Chase Freedom Unlimited®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends at 9 AM EST on 4/30/2026.
$250
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons
Pros
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
Cons
    • 3% foreign transaction fee
Read Full Review
Card Highlights
  • Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex®
Chase Freedom Flex®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex®
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Freedom Flex® sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons
Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
Read Full Review
Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Since no annual fee is due, I don’t have to periodically decide whether to keep or cancel the card, as I incur no out-of-pocket expenses to justify holding onto it.

Hot Tip:

An additional key reason to keep no-annual-fee cards is that they help extend my average credit history. There is no reason to cancel any of these cards, as they not only add value but also help to positively impact my credit score.

2. Strong Earning Potential

The Ink Business Cash® Credit Card, Chase Freedom Unlimited®, and Chase Freedom Flex® each have excellent earning potential with complementary bonus categories:

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Chase Card

Top Earning Categories

Ink Business Cash Card

  • 5% cash-back at office supply stores, internet, cable and phone services, up to $25,000 in combined purchases each account anniversary year
  • 2% cash-back on dining and gas, up to $25,000 in combined purchases each account anniversary year
  • 5% cash-back on Lyft rides (through September 30, 2027)

Freedom Unlimited Card

  • 3% cash-back on dining and drugstores
  • 5% cash-back on Chase Travel
  • 1.5% cash-back all other purchases

Freedom Flex Card

  • 5% cash-back on up to $1,500 in purchases on rotating quarterly categories
  • 3% cash-back on dining and drugstores
  • 5% cash-back on Chase Travel

The Ink Business Cash card earns 5% cash-back at office supply stores, where I can purchase a variety of gift cards to use for other expenses. I can also earn 5% cash-back on my internet, cable, and phone services.

While the Ink Business Cash card and Freedom Flex card earn 1% on all other non-bonus-category purchases, the Freedom Unlimited card is more ideal for these purchases. The card earns 1.5% cash-back on all miscellaneous purchases.

Each quarter, the Freedom Flex card offers rotating categories that earn 5% cash-back, up to $1,500 in purchases. Categories commonly include supermarkets, gas stations, home improvement stores, Amazon, warehouse stores, and more.

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3. Diversified Earning Categories

While the cards have several bonus categories in common, each card has its own specific earning strength. I can be assured of earning well on every purchase when using these 3 cards.

Walmart Baby Products
No matter what I buy, I’ll always earn well with the correctly chosen Chase card.

Here are the categories and the card I would typically use for each purchase.

  • I use the Ink Business Cash card for office supply purchases and cable and internet service.
  • The Freedom Unlimited card earns well on all purchases that do not otherwise fall into another card’s bonus categories. Examples include big box stores such as Walmart and Target, tuition, medical bills, home repairs, and insurance.
  • I use the Freedom Flex card at drugstores, but I also make sure to maximize earnings on quarterly bonus-category purchases. The card is also a good choice for my monthly cell phone bill, as we’ll discuss more below.

4. Rewards Transfer to Premium Chase Cards

While the Ink Business Cash card, Freedom Unlimited card, and Freedom Flex card are cash-back cards, rewards are first earned as Ultimate Rewards points. These rewards can be redeemed for travel through Chase Travel, cash back, gift cards, or shopping at select online retailers.

However, every Ultimate Rewards point I earn on these cards can be transferred to a Chase premium card, resulting in better potential redemption value for my rewards.

The Palace Madrid Room
Benefits of The Edit collection include on-site perks such as this upgraded room at The Palace Hotel in Madrid, Spain.

Typically, when redeeming rewards with any of these 3 cards, I’ll receive a consistent rate of 1 cent per point. But when I transfer rewards to my Chase Sapphire Reserve® or Sapphire Reserve for Business℠ , I can receive even greater value.

NEW OFFER
Chase Sapphire Reserve®Terms Apply / Rates & Fees
Chase Sapphire Reserve®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points
$2,500
$795
19.49% - 27.99% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons
Pros
  • 8x points on all Chase Travel purchases
  • 5x points on Lyft rides
  • 4x points on flights and hotels booked directly
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Sapphire Reserve for Business℠Terms Apply / Rates & Fees
Sapphire Reserve for Business℠
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now
Sapphire Reserve for Business℠
The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
150,000 points
$3,000
$795
Flex for Business Variable APR: 17.74% - 28.49%
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent
Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons
Pros
  • 8x points on Chase Travel purchases
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media sites and search engines (uncapped)
Cons
    • $795 annual fee
Read Full Review
Card Highlights
  • Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
  • $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
  • Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
  • Earn 5x total points on Lyft rides through 9/30/27.
  • Earn 4x points on flights & hotels booked direct.
  • Earn 3x points on social media & search engine advertising.
  • Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
  • Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
  • Member FDIC
Financial Snapshot
  • APR: Flex for Business Variable APR: 17.74% - 28.49%
  • Foreign Transaction Fees: None

Additionally, once points are transferred to my Chase Sapphire Reserve cards, I can take advantage of airline and hotel partners. When transferring to these travel partners, I can redeem the miles and points for award tickets or free hotel nights. This process is often the most valuable use of Ultimate Rewards points.

With my Chase Sapphire Reserve cards, I have access to The Edit by Chase Travel collection of hotels and up to $500 in statement credits each year, a maximum of $250 each stay (2-night minimum required). I can also use Points Boost to receive even greater value, up to 2 cents per point, for my rewards.

The Chase Sapphire Preferred® Card is a great card choice that lets you transfer points to airline and hotel partners. The card earns flexible Ultimate Rewards points, has a lower $95 annual fee, and offers excellent travel insurance benefits.

NEW OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 75,000 points
$1,500
$95
19.24% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons
Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
Card Highlights
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

5. Important Protections You Won’t Get from a Debit Card

There may be no annual fee on these 3 select Chase cards, but the protections and benefits provide me peace of mind whether I’m at home or on the road.

Allegiant Air departing in bad weather
Trip insurance can help when travel is disrupted.

Here are some of the key benefits of the Ink Business Cash card, Freedom Unlimited card, and Freedom Flex card.

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Protection or Benefit

Ink Business Cash Card

Freedom Unlimited Card

Freedom Flex Card

Auto Rental Coverage

Primary coverage when used for business

Secondary coverage in the U.S.

Secondary coverage in the U.S.

Trip Cancellation, Trip Interruption

N/A

Up to $1,500 per covered traveler, up to $6,000 per trip when trip is disrupted for a covered reason

Up to $1,500 per covered traveler, up to $6,000 per trip when trip is disrupted for a covered reason.

Cell Phone Protection

N/A

N/A

Up to $800 per claim, up to 2 claims, and a maximum of $1,000 per 12-month period. There is a $50 deductible per claim

Purchase Protection

Eligile items covered for damage or theft up to 120 days from the date of purchase, up to $10,000 per claim, $50,000 per account

Eligible items covered for damage or theft for up to 120 days from the purchase date, up to $500 per item, up to $50,000 per account

Eligible items covered for damage or theft for up to 120 days from the purchase date, up to $500 per claim, up to $50,000 per account

Extended Warranty

Eligible items with U.S. manufacturer’s warranties of 3 years or less will receive an additional year

Foreign Transaction Fees

Yes

Yes

Yes

Having trip cancellation and trip interruption coverage on my Freedom Unlimited card and Freedom Flex card means I can purchase tickets with either card and have protection should I experience a covered disruption during my travels.

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Paying my monthly cell phone bill with my Freedom Flex card could provide financial relief if my phone is damaged or stolen, as I can file a claim under the cell phone protection plan.

Final Thoughts

If I had to reduce my card portfolio down to a manageable number, I would include the Ink Business Cash card, the Freedom Unlimited card, and the Freedom Flex card. With no annual fees, ample earning potential, and diverse bonus categories, the cards offer significant value.

Being able to transfer rewards earned on the cards to Chase premium cards ensures I’ll receive the greatest possible value for my points. Plus, the protections and benefits that come with the cards could certainly provide added economic relief should I need to use them.

Featured Image Credit: Christine Krzyszton. All images by Christine Krzyszton unless otherwise noted.
Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services offices. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Welcome Offer: As High As 175,000 Points. Find Out Your Offer.

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  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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